Cause Analysis And Countermeasures Of The Commercial Banks In Our Country Small And Medium-sized Enterprise Business Credit Risk

In the course of business of the bank, the risk management level determines the survival of the bank. Our domestic commercial banks are being explored to construct their own system of credit risk management and system.The risk characteristics of small and medium-sized enterprise determines its own anti risk ability is weak, since the post financial crisis era, the development of small and medium-sized enterprises of our country in the new period, facing the international and domestic economic growth down, oneself be congenitally deficient problem, lead to bad loans of commercial banks of our country small and medium-sized enterprise focus on the emergence of commercial banks, small and medium-sized enterprise loan risk prevention and control pressure increases sharply, more challenge superposition of various kinds of risks of China’s commercial banks SME credit business asset management.By drawing on foreign small and medium-sized enterprise development experience, combined with our commercial banks non-performing loan case analysis of small and medium-sized enterprises, the main reason that our country commercial bank loans to small and medium enterprises credit risk from information asymmetry, enterprises in the folk by the external environment and other factors-domestic and international economic complex.From the perspective of the Commercial Bank of our country, through the analysis of small and medium enterprises adverse credit causes proposed should focus on the following aspects, strengthen and improve our country commercial bank credit risk control system of the original, adverse effects of internal and external environment of enterprise initiative release, improve risk prevention and targeted, consolidate the business asset quality:suggestions for the information asymmetry, innovation risk management model; the process defects caused by the scientific staff, promote the construction of three major mechanisms for early warning; insufficient, establish and perfect the risk early warning system; the post loan management, optimize the loan management mode; the security problem, innovation risk mitigation methods.Crisis contains opportunities. Sustained rapid and healthy development of China’s commercial banks to implement the credit business of small and medium-sized enterprises, should take into full consideration the operation characteristics and risk characteristics of small and medium-sized enterprises, the business initiation and credit approval, the main aspects to grasp the principal contradiction and conflict, in-depth understanding of customer, establish joint credit strategy and scheme of adaptive, dynamic management of credit risk, dynamic balance between benefit and risk control, so as to achieve our strategic transformation of commercial banks, to achieve the grand goal to the internationalization of banks.